Payment Solutions

Digital banking

Earn customer loyalty by embedding tailored banking experiences anywhere.

Digital Banking Hero

Build a modern digital banking solution quickly and easily


Digital banking has changed how we all view money management. For the new breed of challenger banks, and for those existing banks looking to get ahead, digital banking is seen as a key strategy in the race to increase customer engagement and extend lifetime value.


Digital banking caters to a new market of consumers focused on convenience, transparency, lower fees, and a feature-rich digital experience.


To stay at the centre of the financial lives of your customers, Marqeta allows you to launch new and innovative products and enhancements at speed. These can be managed in real time, enabling you to offer unique services that add value and are disruptive to traditional banking experiences.


Marqeta helps you build a digital banking solution – now

By using customisable physical, virtual, and tokenised cards linked to a primary account, you can create a unique customer experience, with the customisation and differentiation that will help you stand out from the crowd.

Real world: digital banking

Build a modern digital banking solution quickly and easily

Digital banking app

Customer opens an account

Digital banking - flow digram - Row 1 - Card 1Digital banking - flow digram - Row 1 - Card 1Digital banking - flow digram - Row 1 - Card 1

The customer completes an online application process and is quickly approved.

Marqeta platform

Tokenised card issued

Digital banking - Flow diagram - row 1 - card 2 Digital banking - Flow diagram - row 1 - card 2 Digital banking - Flow diagram - row 1 - card 2

Marqeta issues a tokenised card (Google Pay/Apple Pay) enabling the cardholder to start spending immediately.

Retailer

Card presented

Flow diagram - row 1 - card 3Flow diagram - row 1 - card 3Flow diagram - row 1 - card 3

The store processes the virtual card just as they would any other Visa or Mastercard.

Prefunds the account

The customer prefunds the account if necessary.

Real time fraud engine and dynamic spend controls

Digital banking - flow diagram - row 2 - card 2Digital banking - flow diagram - row 2 - card 2Digital banking - flow diagram - row 2 - card 2

Fraud engine provides a score of between 1-99 on the propensity of it being a fraudulent transaction, while managed or gateway spend controls can be customised ensuring funds are only used as intended.

Auth requested

Digital banking - flow diagram - row 2 - card 3Digital banking - flow diagram - row 2 - card 3Digital banking - flow diagram - row 2 - card 3

Marqeta’s platform is contacted by the appropriate network for authorisation.

Notification received

digital-banking-notification-of-spenddigital-banking-notification-of-spenddigital-banking-notification-of-spend

Marqeta webhooks allow real time notifications upon transaction completion.

Funds released

B2B-lending-Funds-released-300x250B2B-lending-Funds-released-300x250B2B-lending-Funds-released-300x250

Just-in-Time (JIT) Funding releases funds to the card on approval and in real time to complete the transaction.

Transaction complete

Circle-check-Copy2Circle-check-Copy2Circle-check-Copy2

Authorisation is successful and the payment is confirmed.

Digital banking app

Customer opens an account

Digital banking - flow digram - Row 1 - Card 1Digital banking - flow digram - Row 1 - Card 1Digital banking - flow digram - Row 1 - Card 1

The customer completes an online application process and is quickly approved.

Marqeta platform

Tokenised card issued

Digital banking - Flow diagram - row 1 - card 2 Digital banking - Flow diagram - row 1 - card 2 Digital banking - Flow diagram - row 1 - card 2

Marqeta issues a tokenised card (Google Pay/Apple Pay) enabling the cardholder to start spending immediately.

Retailer

Card presented

Flow diagram - row 1 - card 3Flow diagram - row 1 - card 3Flow diagram - row 1 - card 3

The store processes the virtual card just as they would any other Visa or Mastercard.

Prefunds the account

The customer prefunds the account if necessary.

Real time fraud engine and dynamic spend controls

Digital banking - flow diagram - row 2 - card 2Digital banking - flow diagram - row 2 - card 2Digital banking - flow diagram - row 2 - card 2

Fraud engine provides a score of between 1-99 on the propensity of it being a fraudulent transaction, while managed or gateway spend controls can be customised ensuring funds are only used as intended.

Auth requested

Digital banking - flow diagram - row 2 - card 3Digital banking - flow diagram - row 2 - card 3Digital banking - flow diagram - row 2 - card 3

Marqeta’s platform is contacted by the appropriate network for authorisation.

Notification received

digital-banking-notification-of-spenddigital-banking-notification-of-spenddigital-banking-notification-of-spend

Marqeta webhooks allow real time notifications upon transaction completion.

Funds released

B2B-lending-Funds-released-300x250B2B-lending-Funds-released-300x250B2B-lending-Funds-released-300x250

Just-in-Time (JIT) Funding releases funds to the card on approval and in real time to complete the transaction.

Transaction complete

Circle-check-Copy2Circle-check-Copy2Circle-check-Copy2

Authorisation is successful and the payment is confirmed.

Our developers looked at Marqeta’s platform and said that’s exactly how they would have built a payment processing platform if they were building from the ground up. That’s why we chose to work with Marqeta.

Daniel Capraro,

CPO, Yapeal

Key benefits for digital banking

Physical and virtual cards

Launch new product offerings using tailored, branded cards.

Tokenisation icon - UK

Tokenisation

Increase adoption and security by integrating cards into digital wallets.

Open APIs Icon - UK

Open APIs

Innovate and rapidly create customised card experiences.

JIT Icon - UK

JIT (Just-in-Time) Funding™

Make your own funding decisions in real time and approve/decline transactions at time of transaction using your own criteria.

benefit_icons_data-insights.svg

Data insights

Derive deep customer insights to tailor new products and services.

Card interchange - UK

Card interchange

Increase revenue by expanding and diversifying into card-based products.

Marqeta Cards

Launch your next payment innovation

Let's talk about your use case and how we can help.